2013 Nissan Versa Insurance Rates
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Average insurance rates for a 2013 Nissan Versa are $1,278 a year for full coverage. Comprehensive costs approximately $218, collision costs $450, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing around $2,786. Teenage drivers receive the highest rates at $4,966 a year or more.
Annual premium for full coverage: $1,278
Rate estimates for 2013 Nissan Versa Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Nissan Versa models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $504 for basic liability insurance to the much higher price of $2,786 for a driver that may need high-risk insurance.
These differences show why everyone should compare prices using their specific location and risk profile, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Nissan Versa Insurance
I can’t think of a single person who cherishes buying insurance coverage, especially when their premiums are through the roof.
Since consumers have many insurance coverage companies to choose from, it’s difficult to find the cheapest insurance company.
You should make it a habit to check insurance coverage prices once or twice a year because rates fluctuate regularly. Despite the fact that you may have had the lowest rates on Versa coverage two years ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.
Shopping for the best auto insurance is simple if you know the tricks. Essentially anyone who shops for auto insurance should be able to save money. But drivers can benefit from knowing the way insurance companies market on the web and apply this information to your search.
Find the Cheapest Quotes in Your Area
Get multiple rate quotes instantly and find your cheapest rate
The easiest way to compare rate quotes is to know the fact most insurance companies provide online access to compare rate quotes. The only thing you need to do is take a few minutes to give details like types of safety features, the type of vehicles you drive, your general credit rating, and deductibles desired. The data is automatically sent to many different companies and you will get price comparisons immediately.
To start a quote now, click here and enter your coverage details.
Don’t listen to company ads
Companies like Allstate, GEICO and Progressive regularly use television and radio advertisements. All the ads say the same thing that you’ll save big if you move to their company. How does each company make almost identical claims?
All the different companies have a certain “appetite” for the driver that earns them a profit. An example of a driver they prefer could possibly be between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any driver that hits that “sweet spot” will get very good rates and therefore will save when they switch companies.
Consumers who fall outside the “perfect” profile will have to pay higher prices and ends up with business going elsewhere. The ad wording is “people who switch” not “people who quote” save that kind of money. That is how companies can state the savings.
Because of the profiling, you need to get as many comparisons as possible. It’s impossible to know the company that will fit your personal profile best.
Don’t miss these discounts
Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be specially asked for before you will receive the discount.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
- Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
- Drive Less and Save – Keeping the miles down on your Nissan can qualify you for better rates on cars that stay parked.
- Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.
- Paperless Signup – Certain companies will give a small break just for signing your application over the internet.
- Life Insurance – Some companies give lower rates if you buy life insurance.
- Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
A little note about advertised discounts, many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will help reduce your overall premium however.
To see a list of providers with discount car insurance rates, click this link.
When might I need help?
When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation will benefit from professional help.
- Should I buy full coverage?
- Do I need higher collision deductibles?
- What is the minimum liability in my state?
- Does my insurance cover a custom paint job?
- What can I do if my company won’t pay a claim?
- Is my 2013 Nissan Versa covered for flood damage?
- When can I cancel my policy?
- Is my state a no-fault state?
- Do I need rental car coverage?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area.
Auto insurance coverages
Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages found on most insurance policies.
Coverage for liability – This coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability can pay for claims like medical expenses, structural damage, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as chiropractic care, rehabilitation expenses, hospital visits and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Nissan Versa.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like vandalism, a broken windshield, theft, hitting a deer and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Collision – Collision coverage pays for damage to your Versa caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things like damaging your car on a curb, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.
A little work can save a LOT of money
When you buy insurance online, never buy poor coverage just to save money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and learned later that it was a big mistake. The ultimate goal is to buy the best coverage you can find at an affordable rate while still protecting your assets.
Lower-priced 2013 Nissan Versa insurance can be found both online and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.
In this article, we presented many ideas to shop for insurance online. The key concept to understand is the more providers you compare, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with the least-expected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Progressive and GEICO.
Additional insurance information is located at these links:
- Teen Driving Statistics (iihs.org)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- What is Full Coverage? (Allstate)
- Auto Crash Statistics (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,016|
|Los Angeles, CA||$2,181|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$92|
|5-yr Claim Free||$83|
|Paid in Full/EFT||$56|
Discounts are estimated and may not be available from every company or in every state.